摘要
随着人口老龄化问题的日益加剧,养老计划在规避养老风险,保障老年人晚年生活等方面发挥着重要的作用。利用2015年中国家庭金融调查数据,实证分析了教育水平对养老计划的影响。研究发现:教育水平对养老计划具有显著的正向影响,且具有稳健性;教育水平与养老计划之间的关系受到风险偏好的调节作用,与风险中性相比,风险规避降低了教育水平对养老计划的正向影响;教育水平有助于提高金融素养,对个人制定养老计划具有促进作用。个人应该努力接受更高水平的教育,增强自身的财务知识和金融素养,积极制定养老计划;政府应该提供收益高、有保障的金融产品,并为居民购买保险、参与股票、债券投资等提供咨询服务;建立和完善公共养老金、企业年金和个人储蓄养老金等多支柱养老保障体系。
With the aggravation of the aging problem,the old-age pension plan is playing an increasingly important role in avoiding the risks of old-age pension and ensuring the old people’s life in their old age.This paper makes an empirical analysis of the impact of education level on pension plan by using the data of China Household Finance Survey in 2015.The findings show that the level of education has a significant positive impact on the pension plan,and it is robust.The relationship between education level and pension planning is moderated by risk preference.Compared with risk neutral,risk aversion can reduce the positive impact of education level on pension planning;the level of education can enhance personal financial literacy and promote the formulation of pension plans.Individuals should strive to receive higher education,enhance their financial knowledge and financial literacy,and actively formulate pension plans.On the other hand,the government should provide high-yield and secure financial products,and provide consulting services for residents to purchase insurance and participate in stocks and bonds investments,so as to establish and improve a multi-pillar pension system,including public pension,corporate annuity,and personal savings pension,etc..
作者
李荣彬
LI Rong-bin(Zhongnan University of Economics and Law,Wuhan 430073,China)
出处
《江西财经大学学报》
CSSCI
北大核心
2021年第3期69-78,共10页
Journal of Jiangxi University of Finance and Economics
关键词
教育水平
养老计划
风险偏好
金融素养
education level
old-age plan
risk preference
financial literacy
